Our accounts at a glance

 

Professional support with a Relationship Manager

 

$100,000 minimum balance1

in deposit account or investment* balances

 

Everyday banking with preferred rates

 

$5,000 minimum balance w/ direct deposit2,3 OR $10,0003

in deposit account or investment* balances.

 

Value and personalized support

 

No minimum balance w/ qualifying direct deposit2 OR $1,5004

in deposit account or investment* balances.

 

Simple and convenient

 

NO MINIMUM BALANCE5

Relationship banking

Premier checking
Make the most of your future with carefully designed service and benefits
  • Unlimited rebates on non-HSBC ATM third-party surcharges in the U.S.6
  • Global View and Global Transfers7
  • Access to preferential mortgage rates8 and one of our highest yielding savings accounts

To waive monthly maintenance fees, you'll need to meet one of our minimum balance requirements1:

$100,000 minimum balance

 

OR

 

Qualifying Commercial Balance

 

Please note: $50 monthly maintenance fee is incurred if the minimum balance requirements are not met.

Advance checking
Open doors with Advance, from everyday banking to preferred rates
  • Get up to four rebates per month on non-HSBC ATM third-party surcharges in the U.S. (excludes NY)9
  • Global View and Global Transfers6
  • Access to preferred mortgage rates8

To waive monthly maintenance fees, you'll need to meet one of our minimum balance requirements3:

$5,000 minimum balance with recurring direct deposit2

 

OR

 

$10,000 minimum balance

 

OR

 

Qualifying Commercial Balance

 

Please note: $25 monthly maintenance fee is incurred if the minimum balance requirements are not met.

Personal banking

Choice Checking
Value and personalized support for day-to-day banking needs
  • Value and personalized support for day-to-day banking needs
  • HSBC Debit Mastercard® card with no annual or monthly service fees.10

To waive monthly maintenance fees, you'll need to meet one of our minimum balance requirements4:

No minimum balance with recurring direct deposit2

 

OR

 

$1,500 minimum balance

 

Please note: $15 monthly maintenance fee is incurred if the minimum balance requirements are not met.

Basic Banking
Simple, convenient, and a service that’s anything but basic
  • Ideal when you write only a few checks a month
  • HSBC Debit Mastercard® card with no annual or monthly service fees.9

No minimum balance

 

$3 monthly maintenance fee5

regardless of your balance

When you bank with us you’ll get

Access to HSBC ATMs Worldwide

Take advantage of no withdrawal fees11 at most HSBC ATMs within our expansive global network.

Optional Overdraft Protection

Enjoy peace of mind with a personal line of credit that can be used as overdraft protection.

International Services

HSBC provides support in over 30 countries.12 Travel worry-free.

Personal Internet and Mobile Banking

Stay in control and manage your money anytime, anywhere with 24/7 access to Personal Internet and Mobile Banking.13

See Terms & Charges Disclosures

1 To qualify for an HSBC Premier relationship, you need to open an HSBC Premier checking account and maintain balances of $100,000 in combined U.S. Dollar personal deposit accounts and investment* balances. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50 will be incurred if minimum balance requirements are not maintained.

2 Qualifying direct deposits are electronic deposits of regular periodic payments (such as salary, pension, Government Benefits or other monthly income) made into your HSBC Advance checking account from third parties at least once per calendar month.

3 To qualify for an HSBC Advance relationship, you need to open an HSBC Advance checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $10,000 OR of at least $5,000 with a recurring direct deposit from a third party to an HSBC Advance checking account at least once per calendar month. Business owners may use their qualifying HSBC U.S. Dollar commercial balances to qualify for a personal HSBC Advance relationship. A monthly maintenance fee of $25 will be incurred if minimum balance or minimum balance with direct deposit requirement is not met.

4 To qualify for an HSBC Choice Checking relationship, you need to open an HSBC Choice Checking account and maintain combined balances in U.S. Dollar personal deposit accounts and investment* balances of at least $1,500 OR maintain a recurring direct deposit from a third party to an HSBC Choice Checking account at least once per calendar month.  A monthly maintenance fee of $15 will be incurred if minimum balance or recurring direct deposit requirement is not met.

5 Basic Banking has no minimum balance requirement and the monthly maintenance fee is $3. There is no charge for the first eight checks/withdrawal slips you write, then you will be charged $ .35 per check or withdrawal.  

6 Available only on U.S. non-HSBC ATM transactions initiated from HSBC Premier checking, Premier Asset Management, HSBC Premier Savings, and HSBC Promotional Premier Savings account. HSBC will rebate qualifying non-HSBC ATM third-party surcharge fees incurred with a credit to your account on the first business day of the following calendar month.

7 Global View and Global Transfers are only available for HSBC Premier and HSBC Advance clients and are not available in all countries. Foreign currency exchange rates and local country limitations may apply. Transfers from HSBC accounts from outside the U.S. may be subject to transfer fees. Personal Internet Banking is required to access Global View and Global Transfers. Access to U.S. Personal Internet Banking through Global View from outside the U.S. may be limited.

8 Discounts and loan amounts depend on specific program and may require certain personal deposit and investment* balances, reserves, equity and automatic payment from an HSBC U.S. checking account.

9 Available only on U.S. non-HSBC ATM transactions (except in New York State) initiated from HSBC Advance checking, HSBC Advance Savings and HSBC Advance Promotional Savings. HSBC will rebate up to four qualifying non-HSBC ATM third-party surcharges incurred based on transaction date order during the calendar month. The rebate will be credited to your account on the first business day of the following calendar month.

10 If you effect a foreign transaction on your HSBC Bank Consumer Checking or Savings account at an EFT facility with your HSBC Debit Mastercard® card, the transaction amount may be further increased by a percentage established from time to time by us.  This Foreign Transaction Fee does not apply to transactions using your HSBC Jade World Debit Mastercard® card or HSBC Premier World Debit Mastercard® card.

11 You may be charged additional fees by the ATM operator or network used including a fee by another HSBC entity operating ATMs outside the U.S. Foreign currency conversion rates may still apply.

12 Fees may apply.

13 Data rate charges from your service provider may apply. HSBC Bank USA, N.A is not responsible for these charges.

Mortgage and home equity products are offered in the U.S. by HSBC Bank USA, N.A. and are only available for property located in the U.S. Subject to credit approval. Borrowers must meet program qualifications. Programs are subject to change. Geographic and other restrictions may apply. Discounts can be canceled or are subject to change at any time and cannot be combined with any other offer or discount.

United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information.

*Investments and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC.  HSI is an affiliate of HSBC Bank USA, N.A.

HSBC Debit Mastercard® cards are issued by HSBC Bank USA, N.A.  

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Deposit products are offered in the U.S. by HSBC Bank USA, N.A. Member FDIC.

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